PIP Benefits in Florida

If you drive a car and have auto insurance in Florida, you have personal injury protection, or “PIP” benefits.

When a driver purchases a Florida automobile insurance policy, Florida statutes require that policy to provide, at a minimum, only two types of coverage:

  1. PIP Benefits, and
  2. Property Damage Liability Coverage.

Other types of coverage, such as Bodily Injury, Uninsured/Underinsured Motorist, Comprehensive, and Collision Coverage, are essentially add-ons to what is minimally required of a Florida auto insurance policy.

So let’s delve into the first type of coverage required under a Florida auto insurance policy: PIP.


WHO does my PIP coverage cover?

According to Section 627.736 of the Florida Statutes, PIP benefits must cover:

  1. You, the purchaser of the auto insurance policy;
  2. Any other named “insured” on the policy;
  3. Your relatives residing in your household;
  4. Someone driving your vehicle;
  5. Passengers in your vehicle; and
  6. Pedestrians struck by your vehicle.

Of course, there are exceptions to the rule. Review your auto insurance policy and consult with a personal injury attorney for more information on PIP coverage exclusions.


WHAT does my PIP coverage cover?

Generally, if you are injured in an automobile accident, PIP benefits will cover up to $10,000 of your medical bills and expenses resulting from your injuries if you receive medical treatment within 14 days of the automobile accident.

However, that $10,000 will be paid directly to the doctor, clinic or hospital from which you received treatment, not to you.

Nevertheless, even if the total amount of your medical bills are under $10,000, that does not mean that all of your medical bills will be paid by your auto insurance company. PIP benefits only pay 80% of those medical bills or expenses. For example, if you sought treatment with a chiropractor following an auto accident, and your chiropractor charged $3,000 for his or her services, PIP benefits would generally pay only $2,400 (80% of $3,000) towards that bill. So who is responsible for paying the remaining $600? You are. That is why hiring an experienced personal injury attorney is important. Your personal injury attorney will pursue any other available insurance coverage on your behalf, work to get your remaining medical bills and expenses paid, and seek compensation for your pain and suffering.

For more information about PIP benefits, or if you need assistance with your auto accident claim, give Greenway Law Firm a call. We would be happy to speak with you about your claim, and work to get you the compensation you deserve.